The core calculation
Worst case runway is liquid savings divided by monthly net burn. Monthly net burn means essential monthly expenses minus reliable monthly income that would continue after the job ends. Realistic runway adds the estimated severance value to liquid savings before using the same calculation.
Severance is estimated from the monthly pay that reaches your bank account. The formula is monthly pay × 12 ÷ 52 × severance weeks. If ongoing income meets or exceeds essentials, the simple model returns an indefinite runway because savings are not being used.
What counts and what does not
Liquid savings should be money you can access within roughly a week. The calculator intentionally excludes property, vehicles, retirement accounts, and assets that may be difficult, costly, or risky to access quickly.
Essential costs are the bills required to keep life running. The tool does not decide what is essential for you. It also does not model taxes, debt interest, benefit eligibility, investment volatility, exchange rates, or unexpected emergencies.
Illustrations for longer periods
For longer runways, optional scenarios simulate the balance month by month using a constant annual return and annual expense inflation. Real returns are not constant. These examples are illustrations, not forecasts or investment recommendations.
How guidance is written
Guides are written for a real reader with an immediate task. Important claims are checked against official or authoritative sources, dates are shown honestly, and advice tied to one location is avoided unless that location is clear. FakePip does not invent authors, reviewers, or professional credentials.
Advice about employment rights, separation agreements, tax, benefits, mental health, or immigration is always general. Use a qualified local professional for a decision with legal or financial consequences.
PDF privacy
PDFs are prepared by your browser's print system. The personal version includes the amounts shown in your result. The private sharing version removes exact financial amounts and sensitive location or visa details while keeping rounded runway, timeline, and action guidance.